Once you *call your lender's department that has been exclusively designed for your stage of foreclosure, you will be asked a series of questions resulting in the start of your initial paperwork.
The entire process should take approximately 6-10 weeks but be patient since your ultimate goal is to become current with your lender and removed from foreclosure once and for all. Remember to make copies of your paperwork while keeping a separate file just in case of any misplaced documentation.
Although we know this is a stressful situation, believe us when we say, "the hardest part of the entire process is making the initial call". Find a friend for support (it really helps) and get started...you are closer to success than you can imagine!! Regarding finding a friend, I strongly urge you to consider #2 choice listed below. Foreclosure counseling services can really lighten the burden if you feel that is needed.
* 1. Call the number provided on the last letter you received from your lender or their representation.
2. Call the dedicated number on the mailer or this site, (1-800-218-4091) which has been exclusively provided for you to ensure proper assistance the first time without any additional effort on your part.
Once you call the number listed above, please select prompt #2 and you will be instantly connected to a HUD approved, New Jersey based foreclosure counselor. Believe me when I tell you, they will make life so much easier once you lean on someone else to help during this trying time.